CLAIM PROCESS

  • 1. IF a NON-FAULT RTA occurred

    If you had an accident that was not your fault, by UK law you have a right to choose how you claim. The main choices are:

    Claim on your own motor insurance policy (if covered).

    Use a ‘non-fault service’ – which usually means a separate Accident Management Company (AMC).

    Recover your costs from the third party’s insurer directly, and this is where CAS must come into your mind.

    You can use CAS as an advisors that have a vast experience and knowledge to obtain higher and quicker settlements than would be achieved if you were dealing with it yourself or if you used a non-specialised law firm to assist you.

  • 2. Case Assessing

    First thing fist, we will check your evidence and assess the liability. If you are eligible, we start initiating your non-fault claim to recover costs for you losses from a third party insurer.

  • 3. DEDICATED ADVISOR

    You will have a dedicated claim advisor assigned to your case who will be providing after accident support throughout the process until successful conclusion of your claim.

  • 4. FIGHTING FOR LIABILITY

    One of our main goals in the process is to prove other party’s liable for the accident. This is where our knowledge of High Way Code is crucial.

  • 5. SETTLEMENT EVALUATION

    When liability is admitted by a third party insurer, next is to negotiate a settlement. Our approach is different from our competitors. Our company’s settlement figure consits of 3 key elements :

    REPAIR COST

    DIMINISHED VALUE

    REPLACEMENT CAR HIRE COST

    *other losses caused in the accident is subject to eligibility

    If your car is a total loss, we will professionally substantiate pre-accident market value.

  • EXTRA SERVICES

    Apart from assistance in getting compensation after non - fault accidents for UK motorists, we offer a wide range of other tailored services.(see services at the top left corner of the page)

Please note, if you are a holder of Green Card insurance certificate and a driver of Ukraine or other foreign registered vehicle involved into a non-fault incident in the UK, claim registration fee and additional charges may apply for you that needs to be paid upfront and may not always be recovered from responsible party. Contact us to discuss specific terms and costs.

WHAT IF THE INSURER ACTS UNREASONABLY, DENIES TO PAY OUT THE COMPENSATION or substantially undervalue the settlement value ?

Even though 90% of claims are settled in direct negotiations with a third party insurer, there are might be some cases that must be escalated into court for a fair decision making - that is more complex and time consuming process but we can offer solutions for private clients, that could help to settle the claim within short deadlines and don't require a solicitor who would charge you enormous legal fees for their service if they win your case in court.  *Only for small claims up to £10 000 in value.

Good to know

You can always utilize your own insurer but keep in mind, it will leave a “stain” on your insurance history even after a non - fault accident and insurance companies do not always want to investigate non-fault claims or do that quite long which can lead to getting your compensation delayed. If you make a non-fault claim, it’s also possible that you’ll lose some or all of your no-claims discount. Insurance providers find that drivers with non-fault claims are more likely to have an at-fault claim in the future, and so you’re likely to see an increase in your premium up to 50% as you claim against your policy.
That's why, it's more reasonable to use Accident Management Company or RTA Advisor  in case of a non - fault RTA as it costs absolutely nothing for you. All costs will be recovered from a party's at fault insurer.
However, if your car’s been in an accident, you must make your insurance provider aware of what happened as soon as you can, even if you don’t plan on claiming. Make it clear that this is only information and you don’t wish to claim, and your provider shouldn’t attempt to settle with the other party’s insurer without your knowledge.